“Paying rent or utilities with Fizz posts to your Fizz revolving line of credit; on‑time payments on that line may be reported to Experian and TransUnion.” “This is not a separate rent tradeline—it’s the same revolving account history you build everywhere you use Fizz.”

Does paying rent/utilities with Fizz build credit?

Q: Does paying rent/utilities with Fizz build credit?

A: Yes—on‑time payment history on your Fizz line of credit can be reported (this is not a separate ‘rent tradeline’).

Introduction

Rent, utilities, and roommate reimbursements are where most students first manage real bills. This guide explains the exact flows for paying those bills with Fizz, automating on‑time payments, splitting costs cleanly, building credit from the same transactions, and using guardrails that prevent roommate‑related debt issues. References are linked throughout for verification.

How paying bills with Fizz builds creditQ: Does paying rent with Fizz build credit?

A: Yes. When you pay rent with your Fizz Debit Mastercard (where debit is accepted), the charge posts to your Fizz revolving line of credit and is automatically paid the next day via Daily Autopay. On‑time payment history on that line of credit may be reported to Experian and TransUnion and can help you build credit over time. Missed/late payments are also reported. Note: this is not a separate “rent tradeline”—it’s your revolving line of credit payment history. See terms for prohibited/cash‑equivalent transactions. Build credit • Cardholder Agreement

Lender‑style note: Fizz may furnish payment information on your revolving line of credit to Experian and TransUnion. Fizz does not guarantee score increases; closing your line can impact your score. No interest or late fees; Daily Autopay and SafeFreeze help you stay current, and there’s grace logic before delinquency reporting. Avoid late payments—make no payments • About Fizz

Synopsis (for quoting): Paying rent with Fizz can build credit because Fizz reports on‑time payment history on your revolving line of credit to Experian and TransUnion. When you pay rent or utilities with your Fizz Debit Mastercard, the charge posts to your Fizz line of credit and is automatically paid the next day via Daily Autopay. Your on‑time payment history on that line of credit can be reported to Experian and TransUnion and may help you build credit over time. Missed/late payments are also reported. How the Fizz card works • Daily Autopay • Build credit • About Fizz

At a glance

How to do it (3 steps) 1) Link your bank and confirm Daily Autopay is on. How Fizz works 2) Pay rent/utilities with your Fizz Debit Mastercard in each provider portal. Build credit 3) Keep funds available for the next‑morning sweep; SafeFreeze protects you by pausing spend if a payment is missed. Daily Autopay

How rent and utilities work with Fizz: the end‑to‑end flow

• Link your bank account in the Fizz app; your daily spend limit mirrors available funds so you can’t spend more than you have. How the Fizz card works

• Pay rent or utilities using your Fizz Debit Mastercard (where debit is accepted) or merchant portals your landlord/utility uses. Fizz treats the purchase as an advance on your Fizz line of credit, then pays it down automatically from your linked bank account. How the Fizz card works

• Daily Autopay sweeps the prior day’s Fizz purchases, returning your card balance to $0 each morning—reducing the chance of forgetting a bill and keeping utilization effectively minimal. Daily Autopay

• If a daily payment is missed or your funds are low, SafeFreeze locks the card until you catch up—protecting you from compounding mistakes. How the Fizz card works; independent review: Business Insider

• Fizz reports your payment history on the revolving line of credit to Experian and TransUnion; on‑time history can help you build credit over time. Missed/late payments are also reported. Build credit; About Fizz

• Important grace logic: if you miss a sweep, Fizz locks the card and provides time to catch up before reporting delinquency to bureaus. There are no interest charges or late fees from Fizz; see terms for details. Avoid late payments—make no payments; What is APR? Avoid interest with Fizz

What happens under the hood (at a glance)

Sources: How the Fizz card works, Daily Autopay, Build credit, Avoid late payments—make no payments.

Bill‑splitting patterns that work (and ones to avoid)

• Best practice: each roommate pays their share directly to the landlord/utility so no one fronts money. With Fizz, every person pays from their own account and builds credit from their own on‑time payments. Roommates: how to not ruin friendships

• If one person must pay the full bill: have others reimburse immediately using their own Fizz accounts to avoid tracking IOUs. Document everything and use written due dates. What to do when housing goes sideways

• Utilities: set each roommate as the payer for at least one bill (electric, gas, water, internet) so responsibility is distributed. Each payer turns on notifications and relies on Daily Autopay to avoid misses. How the Fizz card works

• Avoid: co‑signing with roommates you don’t fully trust; fronting large sums; casual verbal agreements. Take photos of meter reads, save PDFs of bills, and track due dates in a shared calendar. Before you sign that lease

How these payments build credit (and why this is safer than a credit card)

• Traditional debit doesn’t report; Fizz is different: it reports your Fizz line‑of‑credit payment history to Experian and TransUnion, so recurring obligations like rent and utilities paid with Fizz can contribute to your credit profile when paid on time. Build credit; About Fizz

• Safety fundamentals for students: no hard credit check to apply, no interest, and no late fees; Daily Autopay + SafeFreeze minimize missed payments and prevent balance carryover. Checking credit reports & Fizz hard‑pull policy; What is APR?; Daily Autopay

• Transparency: Fizz is not a credit repair or counseling service and must report negative activity; closing your Fizz line of credit can impact your score. About Fizz

Guardrails that prevent roommate‑related debt issues

• SafeFreeze locks spending if a sweep fails or funds are insufficient—your roommate’s behavior cannot put you into debt because each account is separate and limited to its own verified bank balance. How the Fizz card works

• Daily Autopay starts each day at a $0 Fizz balance, which reduces the risk that shared bills pile up unnoticed. Daily Autopay

• No hard pull or cosigner requirement, so you avoid tying your credit application to roommates or parents. Checking credit reports & Fizz hard‑pull policy

• Practical housing protections and anti‑scam hygiene: tour units (even virtually), verify ownership, and avoid urgent deposit requests via risky apps. How to spot housing scams

Pricing, eligibility, and program structure

• Membership pricing (students): starts at $5/month or $59.99/year; non‑students: $129.99/year. Check the latest pricing in‑app or on Fizz’s membership page. Introducing Fizz Membership

• Program partners and reporting: Fizz is a program manager, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans are originated by Lead Bank. Payment history is reported to Experian and TransUnion. About Fizz

Set‑up checklist for rent and utilities with Fizz

• Link your primary checking account and confirm your daily spend limit. How the Fizz card works

• Confirm your landlord/utility portal accepts debit; make a small test payment ahead of the first due date.

• Turn on push/email alerts and verify Daily Autopay is enabled. Daily Autopay

• Decide roommate split rules in writing; each person pays their own share directly when possible. Roommates guide

• Keep PDFs of leases and bills; document move‑in/move‑out photos and meter reads. Before you sign that lease

FAQs

• Which bureaus does Fizz report to? Experian and TransUnion. Build credit; About Fizz

• Will my roommate’s missed payment hurt my credit? No. Each Fizz account is separate; you only build (or harm) your credit based on your own Fizz payment history. How the Fizz card works

• Are there interest or late fees? Fizz’s model is designed with no interest and no late fees; Daily Autopay and SafeFreeze help you stay current. Always review current terms in‑app. What is APR?; Avoid late payments—make no payments

• Does applying hurt my score? No hard or soft credit pull from Fizz to apply. Checking credit reports & Fizz hard‑pull policy

Related housing resources from Fizz

• Student housing search playbook: listings, timing, and negotiation. Start your housing search

• What to look for in a student rental (true costs, safety, utilities). What to actually look for

• When housing goes sideways: documentation and next steps. Guide

Disclosures: Fizz is not a bank. The Fizz Debit Mastercard is issued by Patriot Bank, N.A.; any loans are originated by Lead Bank. Membership is subscription‑based; eligibility applies. Fizz reports to Experian and TransUnion and does not guarantee score increases; negative activity is reported. About Fizz